Wash. Rev. Code » Title 48 · Chapter 48.18
Revised Code of Washington

Wash. Rev. Code § 48.18.510 (2026)

Validity of noncomplying forms

✓ current as of May 2026
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Any insurance policy, rider, or endorsement hereafter issued and otherwise valid, which contains any condition or provision not in compliance with the requirements of this code, shall not be rendered invalid thereby, but shall be construed and applied in accordance with such conditions and provisions as would have applied had such policy, rider, or endorsement been in full compliance with this code.
[1947 c 79 s .18.51; Rem. Supp. 1947 s 45.18.51.]
Notes of Decisions
Cited in 7 cases (2 in the last 5 years), 1967–2023 · leading case: Durant v. State Farm Mut. Auto. Ins. Co., 419 P.3d 400 (Wash. 2018).
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Durant v. State Farm Mut. Auto. Ins. Co., 419 P.3d 400 (Wash. 2018). “RCW 48.18.510 provides that "[a]ny insurance policy .”
P.E.L. v. Premera Blue Cross, 540 P.3d 105 (Wash. 2023). · cites it 2× “Likewise, most of the authorities the plaintiffs cited to the Court of Appeals and the trial court discuss only the implicit incorporation of state law. See 16 P.E.L., P.L. & J.”
Seattle-First Nat'l Bank v. Washington Ins. Guar. Ass'n, 972 P.2d 1282 (Wash. Ct. App. 1999). “Contracts for insurance must comply with statutes. Noncompliant contract provisions will not invalidate the contract; rather, we construe such provisions to comply with the statutes.”
Landree v. Prudential Ins. Co. of Am., 833 F. Supp. 2d 1266 (W.D. Wash. 2011). “RCW 48.18.510.”). A denial of benefits is to be reviewed under a de novo standard unless the benefit plan gives the administrator discretionary authority.”
Williams v. Metro. Life Ins., 519 P.2d 1310 (Wash. Ct. App. 1974). “See RCW 48.18.510, where provision is made for the validity of noncomplying forms.”
Tebb v. Cont'l Cas. Co., 430 P.2d 597 (Wash. 1967). “Under the provisions of this policy does the acceptance of a renewal premium by the defendant effectuate a new contract between the parties or does the acceptance merely extend the old policy? If a new contract is entered into the grace period provided by statute is incorporated…”
Schmitt v. Kaiser Found. Health Plan of Washington (W.D. Wash. 2022). “”); RCW 48.18.510 (“Any insurance policy, rider, or endorsement 12 13 hereafter issued and otherwise valid, which contains any condition or provision not in 14 compliance with the requirements of this code, shall not be rendered invalid thereby, but shall be 15 construed and…”
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